Updated 2026-11-01 · 6 min read · Guide

Deposit RLUSD from Bifrost and GemWallet to XORA (2026)

By XORA · Published · Updated

Send Ripple USD (RLUSD) on XRPL from Bifrost Wallet or GemWallet to XORA with verified Ripple issuer, numeric Destination Tag, and a 10 RLUSD test send.

Short answer

To deposit Ripple USD (RLUSD) from Bifrost Wallet (multi-chain mobile wallet) or GemWallet (XRP Ledger browser extension) into XORA, open /app#deposit-rlusd and copy both XORA's XRPL treasury address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your mandatory numeric Destination Tag. Confirm your RLUSD token is on the XRP Ledger under Ripple's official issuer (rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De) rather than Ethereum ERC-20, keep at least 1.2 XRP in your wallet for XRPL reserves plus network drops, and verify a 10 RLUSD test send first (~4 seconds finality).

Deposit RLUSD Calculate XRP yield Reserve @handle Creator Bounties

Direct rails: XRP · RLUSD · BTC · XLM · TRX · RLUSD on XRPL

XRPL RLUSD vs Ethereum ERC-20 RLUSD in Bifrost Wallet

Because Bifrost Wallet manages both XRP Ledger (r...) and Ethereum/Flare EVM (0x...) accounts inside one interface, verify that you are sending XRPL-issued RLUSD (issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De) and not Ethereum ERC-20 RLUSD. XORA's /app#deposit-rlusd rail settles natively on the XRP Ledger in ~4 seconds with fractions-of-a-cent XRP drop fees and does not accept Ethereum ERC-20 RLUSD transfers to XRPL addresses.

Verifying Ripple's RLUSD trust line and Destination Tag in GemWallet

GemWallet operates natively on the XRP Ledger in Chrome, Brave, and Edge. Before signing a Payment transaction in GemWallet or Bifrost Wallet, verify that the RLUSD trust line issuer matches rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De (rejecting spoofed lookalike 160-bit RLUSD hex IOUs), paste XORA's XRPL address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o), and enter your exact numeric XORA Destination Tag in the Destination Tag field.

XRPL 1 XRP base reserve + 0.2 XRP trust line reserve math

Every self-custody XRPL account in Bifrost Wallet or GemWallet locks 1 XRP as the protocol base reserve plus 0.2 XRP for the RLUSD trust line (and 0.2 XRP per additional trust line or open DEX offer). Keep at least 1.25 XRP liquid in your wallet so your 10 RLUSD test transfer and subsequent allocation sign cleanly without tecUNFUNDED_PAYMENT or reserve errors.

Variable RLUSD yield on XRPL, solvency controls, and risk disclosures

Self-custody XRPL wallets hold RLUSD at 0% native protocol yield. Where enabled, XORA quotes up to 17% variable RLUSD APY value on XRPL (13% RLUSD plus 4% estimated XORA rewards) with $0 XORA deposit fee, subject to pooled treasury and solvency headroom (/rlusd-yield-rates). Rates are variable and not guaranteed; XORA is custodial, not a bank, and not FDIC or SIPC insured.

Bifrost Wallet and GemWallet XRPL RLUSD transfer overview

ItemBifrost WalletGemWallet ExtensionXORA RLUSD rail
Network & issuerXRP Ledger (rMxCK...m5De, never ERC-20)XRP Ledger Mainnet (rMxCK...m5De)Official Ripple XRPL RLUSD only
Destination TagMandatory numeric Destination TagMandatory numeric Destination TagRequired for automatic credit
Wallet reserve1 XRP base + 0.2 XRP per trust line1 XRP base + 0.2 XRP per XRPL object$0 XORA deposit fee (~0.00001 XRP net)
Settlement~4 seconds on XRP Ledger~4 seconds on XRP LedgerSend 10 RLUSD test transfer first
⚠ Official Ripple XRPL issuer + Destination Tag required

Select Ripple USD on the XRP Ledger (issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De), never Ethereum ERC-20 RLUSD (0x...), and always enter your numeric XORA Destination Tag so your deposit credits automatically.

Checklist

  1. Open /app#deposit-rlusd in XORA and copy both XORA's XRPL deposit address (rhbErkS2d4H82tRbdGyFkhhc4LNtjKaC3o) and your mandatory numeric Destination Tag.
  2. In Bifrost Wallet or GemWallet, select your XRP Ledger RLUSD balance (confirming official Ripple issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De, never Ethereum ERC-20 RLUSD).
  3. Ensure your XRPL wallet holds at least 1.25 XRP to satisfy the 1 XRP base reserve, 0.2 XRP trust line reserve, and XRPL drop fee.
  4. Paste XORA's XRPL r-address and enter your exact numeric XORA Destination Tag into the Destination Tag field.
  5. Sign and broadcast a 10 RLUSD test transfer first (~4 seconds XRPL settlement).
  6. Confirm the 10 RLUSD test deposit credits in XORA, then send your remaining XRPL RLUSD allocation using the identical r-address and numeric Destination Tag.

Frequently Asked Questions

Can I send Ethereum ERC-20 RLUSD from Bifrost Wallet to XORA?

No. XORA's /app#deposit-rlusd rail accepts official Ripple USD on the XRP Ledger (r... address with numeric Destination Tag), not Ethereum ERC-20 RLUSD on 0x... addresses.

How do I check that my RLUSD in GemWallet or Bifrost is genuine?

Inspect the token issuer address on your XRPL trust line before sending: official Ripple USD on XRPL always shows issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De. XORA rejects unofficial lookalike RLUSD IOUs.

What happens if I omit the Destination Tag in Bifrost Wallet or GemWallet?

Because XORA receives XRPL RLUSD on a shared treasury account, an untagged RLUSD Payment cannot be attributed automatically and requires manual support verification with your XRPL transaction hash.

Is RLUSD held in XORA insured or risk-free?

No. Moving RLUSD from Bifrost Wallet or GemWallet into XORA introduces custodial counterparty risk alongside stablecoin issuer risk. XORA is not a bank, is not FDIC or SIPC insured, and RLUSD APY values are variable and not guaranteed.

Sources

Next

Open /app#deposit-rlusd, copy XORA's XRPL r-address and your numeric Destination Tag, and confirm a 10 RLUSD XRPL test send from Bifrost Wallet or GemWallet first. Rates are variable and not guaranteed.

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